Babysitting Club

Please see the attached response to this complaint

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

This letter is in response to your concerns regarding your recent experience with Associated Bank.Please accept my sincere apology for any inconvenience or frustration this matter may have caused you.After completing an investigation of your concerns, I determined that you authorized three applications inan effort to purchase a property that you had been renting at [redacted] in [redacted] The initial application ending in [redacted] was submitted on November 14, as a USDA/RuralHousing Service loan for $122,This application was denied, and a Notice of Action Taken letterwas mailed to you on January 13, The Residential Loan Officer provided you with suggestions onhow to help improve your credit score and invited you to come back in a few months if you wanted toapply again.The second application ending in [redacted] was submitted on April 6, also as a USDA/Rural HousingService loan for $127,This application was denied, and a Notice of Action Taken letter wasmailed to you on April 24, Atthat time, you explained that you had money in a k account, andyou were willing to use some of the funds for a down payment if necessary to help secure the loanInresponse, the Residential Loan Officer discussed other types of loans you could consider applying for.On May 4, a third application ending in [redacted] was submitted as a Conventional loan for $115.400.00,taking into consideration a 3% down payment based on the appraised value that came in lower thanexpected at $119,A Notice of Action Taken letter was sent to you on May 26, which askedyou to provide additional information by June 25,to be able to give further consideration to yourcredit requestAfter waiting the applicable timeframe for you to provide the requested information, andnot hearing back from you, a final Notice of Action Taken letter was mailed to you on July 1, listingthe principal reasons for the denial of the loanEnclosed for your convenience are copies of the Notice ofAction taken letters referenced above.During the investigation process, I found no evidence that you had communicated your desire to cancelthe application, although you stated that you believed it was cancelled when you did not hear back fromthe bank by May 1, as you requestedAssociated Bank followed established proceduresthroughout the loan process, and we deny any wrongdoing.We are required to accurately report data to the credit reporting agencies therefore we respectfully denyyour request to make any changes to the current credit reporting

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, Eric [redacted]

Please see our attached response to Ms [redacted] concernsThank you!

I am responding to the complaint you filed with the Revdex.com of Wisconsin received December 1,regarding a disputed transaction on an account you have with Associated Bank.I have left you two messages and sent you an email asking that you contact me to discuss your concerns; however I have not heard back from youI am unable to find any open account you may have at Associated Bank and cannot locate any dispute on file for you.In order for me to respond accordingly to address your concerns, please contact me as soon as possibleI am available Monday through Friday from 7:a.muntil 4:p.mat the number listed aboveI look forward to speaking with you

We contacted Mr. [redacted] , informed of the insurance claim process, and informed him of the amount being sent to him for the supply estimates he provided us. We also ordered an inspection per his request as he is doing the work himself this weekend and he wanted to have an inspection... ordered right away as he's aware due to the volume of insurance claims that there may be a delay before the inspection can be done by the third party.

This letter is in response to the complaint that you filed with the Revdex.com of Wisconsin regarding your Associated Bank Checking Reserve Line of Credit ending in ***.After completing an investigation of your concerns, I determined that Associated Bank charged off the line of credit on May 1, We transferred the line of credit to [redacted] on June 26, because it was past due for February 7, with a balance owed of $I confirmed that you paid $to [redacted] on August 27, Associated Bank received the payoffless fees owed to [redacted] and applied the payment on September 15, Although Associated Bank currently reflects a principal balance of $268.86, on November 23, we requested the remaining balance to be abandonedPlease allow adequate time for our records to be updated.Enclosed is a copy of the WorryFree Agreement dated January 7, signed by you and [redacted] Because the loan contract you signed with Associated Bank supersedes your divorce decree [redacted] needed to pay the debt in full or refinance the debt into his own name in order to remove your name from the loan.[ understand this is not the outcome you had hoped for however we are obligated to accurately report our records to the credit reporting agenciesFor your convenienceI enclosed copies of all pertinent documents mentioned in this response.At Associated Bank, we place a high value on providing quality service and recognize that customer satisfaction is a key to our continued successIf I may be of further assistance, now or in the future, please feel free to contact me directly at the number above

According to our records Ms*** opted in to the bank's Everyday Debit/ATM Overdraft Service when she opened the account online on January 5, and we mailed her a postcard confirming her selection. On October 14, Ms*** contacted our Customer Care Department and
opted-out her account from the Debit/ATM Overdraft Service. Although the fees assessed accurately to the terms and conditions of her account, on October 23, we refunded $in overdraft fees as a courtesy

Thank you,Associated Bank

RE: Revdex.com of Wisconsin (Revdex.com) Case #
* ***Dear Mr***,I am responding to the
complaint you filed with the Revdex.com of Wisconsin received
February 25, regarding service fees assessed to your Associated Bank
checking account ending in
***.Associated Bank simplified
the checking and savings products we offer to make it easier to service our
customers, and to allow new customers to better select an account that is
right for themThe changes that took effect with your July statement
cycle also enable our colleagues to deliver the best possible customer
experienceI enclosed a sample of the letter that was mailed to you
regarding these changes.Although the fees assessed accurately according to
the terms and conditions of your account, I refunded fre fees as a courtesy
due to you not receiving the mailer that was sent Enclosed isa check for
$to reimburse you for the $service fees that assessed between
July and January The $fee that assessed in February was
refunded by the banking office on February 24, understand that you have since closed the account.if you have any further questions, please feel free
to contact me direcdy at the number listed above

We contacted Mr***, discussed his concerns, and apologized if banker had not informed him of his checking account requirements to avoid a monthly service fee. We informed him of the account requirements to avoid the monthly service fee and refunded the four service fees that had been
assessed. Mr*** indicated that he understood that going forward he would see a monthly service fee if the account requirements were not met

This letter is in response to the complaint you filed with the Revdex.com of Wisconsin receivedon June 26, regarding your merchant account ending in *** and checking account ending in ***.Thank you for taking the time to share your concernsI am sorry to hear of your
disappointment with theservicing of your accounts and apologize for any frustration you experienced.I am glad that I had the opportunity to speak with you and discuss your concernsYour Associated Bankmerchant account is serviced and maintained by First Data Merchant Services and your contractualrelationship is with First DataAs we discussed, after an investigation of your concerns, it wasdetermined that it was implied that an error had occurredTherefore, the $merchant account earlytermination fee will be refunded to your checking account by First Data in approximately 7-days.To do this, your force closed checking account ending in *** was reopened on July 2,Also, thenegative account reporting was removed from ChexSystems and we have stopped any further collectioncallsOnce the credit is in your checking account I will contact you to assist in getting back online and willrefund the applicable overdraft fees.We value our relationship with you and appreciate your businessIf I may be of further assistance, nowor in the future, please feel free to contact me directly at the number above

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

This letter is in response to the rebuttal you filed with the Revdex.com of Wisconsin regardinga mortgage loan application ending in *** from May 2015.Upon further review, we have determined that there was some miscommunication between the loanofficer and yourself, regarding what the steps needed to be taken by the bank to determine thequalifications for a Conventional mortgage loan.As you requested, because of the miscommunication, Associated Bank submitted a request to the creditreporting agencies on July 27, to remove the "hard" hit and replace it with a "soft" hit for May 2015.What this means is that you will still see the inquiry on your credit report if you pull it for monitoringpurposes however, it has absolutely no impact on your credit scorePlease allow adequate time for thecredit reporting agencies to update their records.I have also enclosed the Notice of Action Taken letters that were mailed to you regarding the loanapplications ending in 2331, and ***These letters were inadvertently not included when wesubmitted our previous written response to the Revdex.com of Wisconsin on July 22, 2015.I am glad that we were able to assist you in resolving your concernsAt Associated Bank, we place ahigh value on providing quality service and recognize that customer satisfaction is a key to our continuedsuccessIf I may be offurther assistance, now or in the future, please feel free to contact me directly atthe number above

Dear Mr***,This letter is in response to the
complaint that you tiled with the Revdex.com of Wisconsin regarding
your Associated Bank checking account ending in ***I attempted to contact
you to discuss your concerns however I was unable to speak with you.After
investigating your concerns, I
determined that on August 26, your account was overdrawn by$On August 29, you deposited a
non-Associated Bank check for $1,In following Associated Bank's Funds
Availability Policy, we made the first $of the deposit immediately
available to you, with the remaining balance of $,available on August
30, 2016.On August 29, 2016, six debit card
transactions totaling $54.82, a transfer out of the account for $and two
overdraft fees totaling $posted to your account leaving an available
balance of $overdrawnThen on August 30, 2016, four $NSF fees
posted to your accountAlthough the fees assessed are valid according to the
terms and conditions of the account, we refunded three fees totaling $on
August 31, as a goodwill gesture.For your convenience I enclosed our Deposit
Account Agreement, which includes valuable information regarding the bank's
processes and policiesIn addition, I enclosed the Understanding Overdrafts
and Your Option to Manage Fees, and What You Need to Know about Overdrafts and
Overdraft Fees pamphlets, which also provide helpful hints on avoiding
overdraftsIf you are interested in opting out of the bank's ATM and Debit Card
Overdraft Service please let me know.At Associated Bank, we recognize
that customer satisfaction is a key to our continued successIf I may be of
further assistance, now or in the future, please feel free to contact me
directly at the number above

We contacted Mr*** and apologized for his disappointment with the servicing of his account and for any frustration regarding the dispute that he filed at the banking office on October 19, 2017. The day after the dispute was filed a letter was sent to him informing that a provisional
dispute credit was issued to his account. On October 27, we sent a letter which indicated that the credit was permanent

We contacted the customer and informed that billing statements are currently generated 10 days before the due date.  As customer requested, we updated the lead days on the loan to 15 days before the due date starting with the February 2018 statement to allow more mail time for customer to...

receive the monthly statement.  The due date will remain the same.  Also informed customer that we do offer monthly ACH as an option to make the monthly payment.  The customer declined ACH and indicated that they prefer to remain on billing statements as they pay the monthly payment at the banking office.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The issue with associated bank is still unresolved. The bank keeps quoting Wisconsin law yet the property and applied laws are Minnesota. At this point we are no longer corresponding, I feel the need to aquire a lawyer.
Regards,
[redacted]